I also had the same bad service as everyone else. I tried using my card and it declined. Went online and notice my credit limit had been changed to $0.00. Then received a vague letter about 2 weeks after they had already closed my account stating that Tribute was discontinuing my program but no real explaination as to why. I called the customer service department to see how this would effect my credit score. I was assured as long as the remaining balance was paid on time monthly, nothing would happen. I received an email alert from a company I use to keep track of my credit report, notifying me that Tribute had reported that I requested for my credit card to be closed the that the account type was considered a "Late Account". I have had a great payment history with this company never late. This error has reduced my credit score by 20 points. When I contacted them again regarding the new issue they advised me that they will not help and to file a disputed with the credit bureau's.
I'm suggesting to everyone check your credit report. This is ridiculous that companies can get away with this type of horrible service. I will be filing a complaint with the BBB and my location attorney general's office...Don't let them get away with this.